Hi Julio
The only value that correctly and unambiguously represents the behaviour of a thermal bridge regardless of the outside temperature (Te) is precisely the factor fRsi = (Tsi - Te) / (Ti - Te)
In accordance with EN ISO 13788 by verifying that the fRsi value of the thermal bridge is greater than the fRsm factor (temperature factor for mould risk of the most critical month, typically the coldest), it is certain that mould cannot form, let alone surface condensation at the thermal bridge. Generally with TB's fRsi value > 0.75 or 0.85 the TB can be considered correct.
The Psi value does NOT characterize the TB, it is only a calculation value that compensates for underestimation or overestimation of the 1D calculation of heat loss.
There are certain TBs, such as cantilevered balconies, that no matter how properly insulated they are, they can never have Psi values less than 0.25-0.30 W/mK. But the important thing is that if, as mentioned, they are properly insulated, they have very high fRsi values, even 0.90 or 0.95, and this confirms to us that they are correct.
From what you write about the check you made with the fRsi value in your case "only" 25 cm of insulation lapel would actually be sufficient.
Ciao
Fabrizio